public void TestFixtureSetUp()
{
mockContractManagement = new DynamicMock(typeof(LoanManager));
chartOfAccounts = ChartOfAccounts.GetInstance(new User {
Id = 5
});
}
public void Flate_BadLoan_42dayslate_BasedOnOLB_KeepExpectedInstallment()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = true,
AnticipatedTotalRepaymentPenaltiesBase =
OAnticipatedRepaymentPenaltiesBases.RemainingOLB,
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
BadLoan = true,
NonRepaymentPenalties = { OLB = 0.003 },
AnticipatedTotalRepaymentPenalties = 0.01
};
CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);
repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
//30 + 230 + 1000 * 0.003 * 42 = 386
Assert.AreEqual(386, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
}
private static Loan _SetContract(OLoanTypes pLoansType, NonRepaymentPenalties pNonRepaymentPenalties,
bool pKeepExpectedInstallment)
{
var package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoansType,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
package.KeepExpectedInstallment = pKeepExpectedInstallment;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
var myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = true;
myContract.AnticipatedTotalRepaymentPenalties = 0.01;
myContract.NonRepaymentPenalties = pNonRepaymentPenalties;
return(myContract);
}
private static Loan _GetLoan(LoanProduct product, OCurrency amount, decimal interestRate, int installments, DateTime startDate)
{
return(new Loan(product, amount, interestRate, installments, 0, startDate,
new User(), ApplicationSettings.GetInstance(""),
NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()),
ChartOfAccounts.GetInstance(new User())));
}
public void SetUp()
{
ChartOfAccounts.GetInstance(new User()).Accounts.Clear();
ApplicationSettings dataParam = ApplicationSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Cash);
}
public void testFixtureSetUp()
{
Loan credit = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
credit.Id = 4;
_installmentsOptions = new CalculateInstallmentsOptions(credit.StartDate, OLoanTypes.Flat, true, credit, false);
}
public void TestIfLocalAccountNumberCorrectlyRetrievedWhenDisburse()
{
ChartOfAccounts chartOfAccounts = ChartOfAccounts.GetInstance(User.CurrentUser);
CashReceipt cashReceipt = new CashReceipt(contractForAPerson, _person, null, "USD", "en-US", null, new DateTime(2006, 1, 1), false, User.CurrentUser, GeneralSettings.GetInstance(""), ChartOfAccounts.GetInstance(User.CurrentUser), true);
Assert.AreEqual(String.Empty, cashReceipt.InterestLocalAccountNumber);
Assert.AreEqual(chartOfAccounts.GetAccountByTypeCode("CASH").LocalNumber, cashReceipt.PrincipalLocalAccountNumber);
Assert.AreEqual(chartOfAccounts.GetAccountByTypeCode("COMMISSIONS").LocalNumber, cashReceipt.FeesLocalAccountNumber);
}
public FundingLine AddGenericFundingLineWithThreeEvents(DateTime startDate)
{
ChartOfAccounts _chartOfAccounts = ChartOfAccounts.GetInstance(new User {
Id = 5
});
AccountManager accountManager = new AccountManager(new User {
Id = 5
});
_chartOfAccounts.Accounts = accountManager.SelectAllAccounts();
FundingLineServices service = new FundingLineServices(new User {
Id = 5
});
int newFL_ID = AddGenericFundingLine4();
FundingLine fundingLineInitial = service.SelectFundingLineById(newFL_ID, true);
FundingLineEvent ev0 = new FundingLineEvent();
ev0.Code = "6012";
ev0.CreationDate = startDate.AddDays(-2);
ev0.Amount = 1000;
ev0.Movement = OBookingDirections.Credit;
ev0.Type = OFundingLineEventTypes.Entry;
ev0.FundingLine = fundingLineInitial;
ev0.IsDeleted = false;
fundingLineInitial.AddEvent(service.AddFundingLineEvent(ev0));
FundingLineEvent ev1 = new FundingLineEvent();
ev1.Code = "6013";
ev1.CreationDate = startDate.AddDays(-1);
ev1.Amount = 500;
ev1.Movement = OBookingDirections.Debit;
ev1.Type = OFundingLineEventTypes.Disbursment;
ev1.FundingLine = fundingLineInitial;
ev1.IsDeleted = false;
fundingLineInitial.AddEvent(service.AddFundingLineEvent(ev1));
FundingLineEvent ev2 = new FundingLineEvent();
ev2.Code = "6014";
ev2.CreationDate = startDate;
ev2.Amount = 100;
ev2.Movement = OBookingDirections.Credit;
ev2.Type = OFundingLineEventTypes.Repay;
ev2.FundingLine = fundingLineInitial;
ev2.IsDeleted = false;
fundingLineInitial.AddEvent(service.AddFundingLineEvent(ev2));
return(fundingLineInitial);
}
public void TestIfLocalAccountNumberCorrectlyRetrievedWhenRepayAGoodLoan()
{
ChartOfAccounts chartOfAccounts = ChartOfAccounts.GetInstance(User.CurrentUser);
Credit contract = contractForAPerson.Copy();
contract.Disburse(new DateTime(2006, 1, 1), true, false);
CashReceipt cashReceipt = new CashReceipt(contract, _person, 0, "USD", "en-US", new ExchangeRate(new DateTime(2006, 3, 1), 3), new DateTime(2006, 3, 1), false, User.CurrentUser, GeneralSettings.GetInstance(""), ChartOfAccounts.GetInstance(User.CurrentUser), true);
Assert.AreEqual(chartOfAccounts.GetAccountByNumber(OAccounts.INTERESTS_ON_CASH_CREDIT_INDIVIDUAL_LOAN).LocalNumber, cashReceipt.InterestLocalAccountNumber);
Assert.AreEqual(chartOfAccounts.GetAccountByNumber(OAccounts.CASH_CREDIT_INDIVIDUAL_LOAN).LocalNumber, cashReceipt.PrincipalLocalAccountNumber);
Assert.AreEqual(chartOfAccounts.GetAccountByTypeCode("COMMISSIONS").LocalNumber, cashReceipt.FeesLocalAccountNumber);
}
public double[] CalculateRealPrevisionCurve(DateTime pFirstDate, int pForecastDays)
{
double[] realAmount = new double[pForecastDays];
double initialAmount = Convert.ToDouble(ChartOfAccounts.GetInstance(_user).GetPivotBalance(OAccounts.CASH).Value);
double[] realDisbursment = CalculateRealDisbursmentCurve(pFirstDate, pForecastDays);
double[] realRepay = CalculateRealRepayCurve(pFirstDate, pForecastDays);
for (int i = 0; i < pForecastDays; i++)
{
realAmount[i] = initialAmount - realDisbursment[i] + realRepay[i];
}
return(realAmount);
}
public void WhenICreateALoan(Table table)
{
_loanProduct.RoundingType = ParseTableValue <ORoundingType>(table, "Rounding");
_loan = new Loan(_loanProduct,
ParseTableValue <decimal>(table, "Amount"),
ParseTableValue <decimal>(table, "Interest rate") / 1200,
ParseTableValue <int>(table, "Installments"),
ParseTableValue <int>(table, "Grace period"),
ParseTableValue <DateTime>(table, "Start date"),
ParseTableValue <DateTime>(table, "First installment date"),
new User(),
Settings,
NonWorkingDays,
ProvisionTable.GetInstance(new User()),
ChartOfAccounts.GetInstance(new User()));
_loan.InstallmentList = ServicesProvider.GetInstance().GetContractServices().SimulateScheduleCreation(_loan);
}
public void TestFixtureSetUp()
{
User.CurrentUser = new User();
User.CurrentUser.Id = 1;
GeneralSettings dataParam = GeneralSettings.GetInstance("");
dataParam.DeleteAllParameters();
dataParam.AddParameter(OGeneralSettings.USECENTS, true);
ChartOfAccounts chartOfAccounts = ChartOfAccounts.GetInstance(User.CurrentUser);
chartOfAccounts.Accounts = chartOfAccounts.DefaultAccounts;
ProvisioningTable provisioningTable = ProvisioningTable.GetInstance(User.CurrentUser);
provisioningTable.AddProvisioningRate(new ProvisioningRate(1, 0, 0, 2));
}
private static Loan _SetContract(OCurrency amount, decimal rate, OLoanTypes loansType, NonRepaymentPenalties nonRepaymentFees, bool keepExpectedInstallment, int numberOfGracePeriod, DateTime stratDate, int nbInstallment)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = loansType,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = keepExpectedInstallment;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, amount, rate, nbInstallment, numberOfGracePeriod, stratDate, new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.AnticipatedTotalRepaymentPenalties = 0;
myContract.NonRepaymentPenalties = nonRepaymentFees;
return(myContract);
}
public void _Flate_BadLoan_42dayslate_BasedOnOverDueWithoutInterest_KeepExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, true);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
KeepExpectedInstallment = true,
AnticipatedTotalRepaymentPenaltiesBase =
OAnticipatedRepaymentPenaltiesBases.RemainingOLB
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(),
ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""),
ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
BadLoan = true,
NonRepaymentPenalties = { OverDuePrincipal = 0.003 },
AnticipatedTotalRepaymentPenalties = 0.01
};
CreditContractOptions cCO = new CreditContractOptions(package.LoanType, package.KeepExpectedInstallment, false, 0, 0, false, 0, package.AnticipatedTotalRepaymentPenaltiesBase);
repayStrategy = new CalculateMaximumAmountToRegradingLoanStrategy(cCO, myContract, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""));
//30 + 230 + 200 * 0.003 * 14
Assert.AreEqual(268.4m, Math.Round(repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value, 2));
//NOT CALCULATION_LATE_FEES_DURING_PUBLIC_HOLIDAYS
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.CALCULATIONLATEFEESDURINGPUBLICHOLIDAYS, false);
//30 + 230 + 200 * 0.003 * 12
Assert.AreEqual(266.60m, repayStrategy.CalculateMaximumAmountToRegradingLoan(new DateTime(2006, 3, 15)).Value);
}
public void DecliningRate_FixedInstallment_NoGracePeriod_RoundingProblem()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 100, 0.01m, 10, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 1, 9.56m, 100, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 0.9m, 9.66m, 90.44m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 0.81m, 9.75m, 80.78m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 0.71m, 9.85m, 71.03m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 0.61m, 9.95m, 61.18m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 0.51m, 10.05m, 51.23m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 0.41m, 10.14m, 41.18m, 10.55m);
_AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 0.31m, 10.24m, 31.04m, 10.55m);
_AssertSpecifiedInstallment(myContract.GetInstallment(8), 9, new DateTime(2006, 10, 2), 0.21m, 10.35m, 20.8m, 10.56m);
_AssertSpecifiedInstallment(myContract.GetInstallment(9), 10, new DateTime(2006, 11, 1), 0.1m, 10.45m, 10.45m, 10.55m);
}
public void TestRepayFlat_GracePeriod_KeepNotExpectedInstallments()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
package.KeepExpectedInstallment = false;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 50000, 0.01m, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2006, 2, 1), 1050, true, true);
myContract.Repay(2, new DateTime(2006, 6, 1), 40000, true, true);
Assert.AreEqual(50000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(50000, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(50000m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(41666.67m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(33333.34m, myContract.CalculateExpectedOlb(5, false).Value);
//Assert.AreEqual(11428m, myContract.CalculateExpectedOLB(6, false).Value);
//Assert.AreEqual(7618.67m, myContract.CalculateExpectedOLB(7, false).Value);
//Assert.AreEqual(3809.34m, myContract.CalculateExpectedOLB(8, false).Value);
}
private static Loan _GetLoan(DateTime pDisburseDate, int pNumberOfInstallments, int pGracePeriod, OLoanTypes pLoanTypes)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = pLoanTypes,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
return(new Loan(package, 1000, 0.03m, pNumberOfInstallments, pGracePeriod, pDisburseDate, new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
}
public void OLB_DecliningFixedInstallments_OneRepayment_OneMonthGracePeriod_Overdue_KeepNotExpectedInstallment()
{
ApplicationSettings.GetInstance("").UpdateParameter(OGeneralSettings.ACCOUNTINGPROCESS, OAccountingProcesses.Accrual);
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 750, 0.03m, 9, 1, new DateTime(2006, 2, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.Repay(1, new DateTime(2006, 3, 1), 740, false, false);
Assert.AreEqual(750, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(32.5m, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(28.85m, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(25.09m, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(21.21m, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(17.22m, myContract.CalculateExpectedOlb(6, false).Value);
Assert.AreEqual(13.11m, myContract.CalculateExpectedOlb(7, false).Value);
Assert.AreEqual(8.87m, myContract.CalculateExpectedOlb(8, false).Value);
Assert.AreEqual(4.51m, myContract.CalculateExpectedOlb(9, false).Value);
}
public void CalculateExpectedOLB2()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1
}
};
package.KeepExpectedInstallment = false;
package.AnticipatedTotalRepaymentPenaltiesBase = OAnticipatedRepaymentPenaltiesBases.RemainingOLB;
Loan myContract = new Loan(package, 20000, 0.02m, 10, 0, new DateTime(2009, 1, 17), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
myContract.BadLoan = false;
myContract.Repay(1, new DateTime(2009, 1, 17), 1000, true, false);
Assert.AreEqual(19000, myContract.CalculateExpectedOlb(1, false).Value);
Assert.AreEqual(17100, myContract.CalculateExpectedOlb(2, false).Value);
Assert.AreEqual(15200, myContract.CalculateExpectedOlb(3, false).Value);
Assert.AreEqual(13300, myContract.CalculateExpectedOlb(4, false).Value);
Assert.AreEqual(11400, myContract.CalculateExpectedOlb(5, false).Value);
Assert.AreEqual(9500, myContract.CalculateExpectedOlb(6, false).Value);
Assert.AreEqual(7600, myContract.CalculateExpectedOlb(7, false).Value);
Assert.AreEqual(5700, myContract.CalculateExpectedOlb(8, false).Value);
Assert.AreEqual(3800, myContract.CalculateExpectedOlb(9, false).Value);
Assert.AreEqual(1900, myContract.CalculateExpectedOlb(10, false).Value);
}
public void DecliningRate_ExoticInstallments_NoGracePeriod_RoundingCapital_RoundingInterest()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, null),
new ExoticInstallment(2, 0.1, null),
new ExoticInstallment(3, 0.1, null),
new ExoticInstallment(4, 0.1, null),
new ExoticInstallment(5, 0.1, null),
new ExoticInstallment(6, 0.5, null)
},
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 954, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 28.62m, 95.40m, 954);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 25.76m, 95.40m, 858.6m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 22.90m, 95.40m, 763.2m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 20.03m, 95.40m, 667.8m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 17.17m, 95.40m, 572.4m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14.31m, 477, 477);
}
public void DecliningRate_ExoticInstallments_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, null),
new ExoticInstallment(2, 0.1, null),
new ExoticInstallment(3, 0.1, null),
new ExoticInstallment(4, 0.1, null),
new ExoticInstallment(5, 0.1, null),
new ExoticInstallment(6, 0.5, null)
},
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 100.00m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 27.00m, 100.00m, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 24.00m, 100.00m, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 21.00m, 100.00m, 700);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18.00m, 100.00m, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 15.00m, 500.00m, 500);
}
public void DecliningRate_FixedPrincipal_BiWeeklyInstallmentType_NoGracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.DecliningFixedPrincipal,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 1000, 0.03m, 5, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 200, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 24.00m, 200, 800);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 18.00m, 200, 600);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 12.00m, 200, 400);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 6.00m, 200, 200);
}
public void DecliningRate_FixedInstallments_GracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Bi-Weekly", 14, 0),
LoanType = OLoanTypes.DecliningFixedInstallments,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(1000, _CheckInstalmentsTotalPrincipal(myContract).Value);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 1, 16), 32.14m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 1, 30), 30.00m, 154.60m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 2, 13), 25.36m, 159.24m, 845.40m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 2, 27), 20.58m, 164.02m, 686.16m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 3, 13), 15.66m, 168.93m, 522.14m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 3, 27), 10.60m, 173.99m, 353.21m);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 4, 10), 5.38m, 179.22m, 179.22m);
}
public void FlatRate_MonthlyInstallmentType_NoGracePeriod()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
Currency = new Currency {
Id = 1, UseCents = true
},
RoundingType = ORoundingType.Approximate
};
Loan myContract = new Loan(package, 1000, 0.03m, 6, 0, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
Assert.AreEqual(6, myContract.InstallmentList.Count);
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30.00m, 166.67m, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 30.00m, 166.67m, 833.33m);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 30.00m, 166.67m, 666.66m);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 30.00m, 166.66m, 499.99m);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 30.00m, 166.67m, 333.33m);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 30.00m, 166.66m, 166.66m);
}
protected override void SetUp()
{
base.SetUp();
_loanManager = (LoanManager)container["LoanManager"];
_loan = new Loan(new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
ClientType = OClientTypes.Person,
LoanOfficer = new User {
Id = 1
},
BranchCode = "DU",
CreationDate = DateTime.Today.AddDays(-1),
StartDate = DateTime.Today,
FirstInstallmentDate = DateTime.Today.AddDays(1),
AlignDisbursementDate = DateTime.Today,
CloseDate = DateTime.Today.AddDays(1),
Product = new LoanProduct {
Id = 1, Currency = new Currency {
Id = 1
}
},
Amount = 1000m,
InterestRate = 3,
InstallmentType = new InstallmentType {
Id = 1
},
NbOfInstallments = 2,
FundingLine = new FundingLine {
Id = 1
},
InstallmentList = new List <Installment> {
_installment1, _installment2
},
EconomicActivityId = 1,
EconomicActivity = new EconomicActivity {
Id = 1
},
GracePeriodOfLateFees = 0
};
}
public void FlatRate_ExoticInstallments_GracePeriod_50PercentMiddle_50PercentEnd()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0, 0),
new ExoticInstallment(2, 0, 0),
new ExoticInstallment(3, 0.5, 0.5),
new ExoticInstallment(4, 0, 0),
new ExoticInstallment(5, 0, 0),
new ExoticInstallment(6, 0.5, 0.5)
},
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 1000, 0.02m, 7, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 20.00m, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 0, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 0, 0, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 60, 500, 1000);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 0, 0, 500);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 0, 0, 500);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 60, 500, 500);
}
public void FlatRate_ExoticInstallments_GracePeriod_RoundingInterest()
{
LoanProduct package = new LoanProduct {
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, 0.1),
new ExoticInstallment(2, 0.1, 0.1),
new ExoticInstallment(3, 0.1, 0.1),
new ExoticInstallment(4, 0.1, 0.1),
new ExoticInstallment(5, 0.1, 0.1),
new ExoticInstallment(6, 0.5, 0.5)
},
Currency = new Currency {
Id = 1, UseCents = true
}
};
Loan myContract = new Loan(package, 900, 0.026m, 9, 3, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 23.4m, 0, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 23.4m, 0, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 23.4m, 0, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 14.04m, 90.00m, 900);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 14.04m, 90.00m, 810);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 14.04m, 90.00m, 720);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 14.04m, 90.00m, 630);
_AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 14.04m, 90.00m, 540);
_AssertSpecifiedInstallment(myContract.GetInstallment(8), 9, new DateTime(2006, 10, 2), 70.20m, 450.00m, 450);
}
public void FlatRate_MonthlyInstallmentType_ExoticInstallments_GracePeriod_RoundingInterest_RoundingCapital()
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
ExoticProduct = new ExoticInstallmentsTable
{
new ExoticInstallment(1, 0.1, 0.1),
new ExoticInstallment(2, 0.1, 0.1),
new ExoticInstallment(3, 0.1, 0.5),
new ExoticInstallment(4, 0.1, 0.1),
new ExoticInstallment(5, 0.1, 0.1),
new ExoticInstallment(6, 0.5, 0.1)
},
Currency = new Currency {
Id = 1
}
};
Loan myContract = new Loan(package, 987, 0.03m, 8, 2, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()));
_AssertSpecifiedInstallment(myContract.GetInstallment(0), 1, new DateTime(2006, 2, 1), 30, 0, 987);
_AssertSpecifiedInstallment(myContract.GetInstallment(1), 2, new DateTime(2006, 3, 1), 29, 0, 987);
_AssertSpecifiedInstallment(myContract.GetInstallment(2), 3, new DateTime(2006, 4, 3), 18, 99, 987);
_AssertSpecifiedInstallment(myContract.GetInstallment(3), 4, new DateTime(2006, 5, 1), 18, 98, 888);
_AssertSpecifiedInstallment(myContract.GetInstallment(4), 5, new DateTime(2006, 6, 1), 89, 99, 790);
_AssertSpecifiedInstallment(myContract.GetInstallment(5), 6, new DateTime(2006, 7, 3), 18, 99, 691);
_AssertSpecifiedInstallment(myContract.GetInstallment(6), 7, new DateTime(2006, 8, 1), 18, 98, 592);
_AssertSpecifiedInstallment(myContract.GetInstallment(7), 8, new DateTime(2006, 9, 1), 17, 494, 494);
}
private static Loan GetContract(OCurrency pAmount, int pNumberOfInstallments, decimal pRate, int pGracePeriod, bool pChargeInterestDuringGracePeriod)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = pChargeInterestDuringGracePeriod,
Currency = new Currency {
Id = 1
}
};
return(new Loan(package, pAmount, pRate, pNumberOfInstallments, pGracePeriod, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User())));
}
private static Loan _SetContract(OAnticipatedRepaymentPenaltiesBases pAnticipatedRepaymentBase, double pAnticipated, bool pKeepExpectedInstallment)
{
LoanProduct package = new LoanProduct
{
InstallmentType = new InstallmentType(1, "Monthly", 0, 1),
LoanType = OLoanTypes.Flat,
ChargeInterestWithinGracePeriod = true,
KeepExpectedInstallment = pKeepExpectedInstallment,
AnticipatedTotalRepaymentPenaltiesBase = pAnticipatedRepaymentBase,
Currency = new Currency {
Id = 1
}
};
return(new Loan(package, 1000, 0.03m, 6, 1, new DateTime(2006, 1, 1), new User(), ApplicationSettings.GetInstance(""), NonWorkingDateSingleton.GetInstance(""), ProvisionTable.GetInstance(new User()), ChartOfAccounts.GetInstance(new User()))
{
BadLoan = false,
AnticipatedTotalRepaymentPenalties = pAnticipated,
NonRepaymentPenalties = { InitialAmount = 0.003 }
});
}